With the many credit card options on the market it can be hard to know what is right for you. Ask some questions of yourself- are you looking for travel miles, do you want to support your community, and what do you want from the card?
When you answer these questions and others it can narrow down your choices to that one perfect card. We are going to try and outline the benefits of the MBNA Westmeath GAA Credit Card so that you can decide whether to apply or eliminate. A review is meant to be helpful and not biased therefore we will make statements of fact and rate the card.
This card has an introductory rate of 1.9 percent APR for the first six months. There are conditions to this term. You must make the transfer fairly quickly and the term starts on the account open date not from the transfer complete date. You also need to make on time payments and cannot go over your card limit. This will forfeit the introductory rate. After that period you will be charged 16.9 percent.
This is the same purchase annual percentage rate. There is no introductory offer for the purchases. The rate is comparative to others on the market from MBNA and other banks. It is the average rate you will find. It is also the lowest rate MBNA offers. Depending on your qualifications you may be offered a higher rate. This usually happens if you have some credit score issues and spotty credit history. The rate is variable so it can change at any time according to the rules in the agreement.
The card is best used for either purchases or balance transfers. The balance transfer amount is always paid off first, meaning the card can be truly expensive if you use it for purchases as well. The only way to get a better deal is by paying the balance off on time and in full every month so you are not charged any interest. There are some deals on balance transfers for zero percent for 12 months. These cards may not be available to Irish customers, but it is worth a look if you need a balance transfer card over a rewards card.
This is a rewards card. You will be contributing to Westmeath schools and other county developments at no cost to you. MBNA makes a contribution to the funds when you open the account. They also make further contributions when you make purchases. As a rewards card this is very helpful. It makes it easier for you to support your community and since there is no cost to you that is even better. The best way to use the card is by paying off the purchase balance every month in full so you are not charged interest. The balance transfers will not create a contribution.
Overall the benefit of supporting Westmeath is important and it is specific. This card may not work for everyone, but it could work for you.